How does IF Bancorp's FY2025 earnings per share compare to consensus forecasts and peer banks in the sector?

Bottom‑line performance

IF Bancorp reported FY 2025 earnings of $1.37 per share (basic & diluted) – a 140% jump from the $0.57 EPS posted a year earlier. The jump far exceeds the modest year‑over‑year growth most regional banks have delivered, and it signals a genuine earnings‑beat in a sector where many peers are still stuck near $0.70‑$0.90 EPS for 2025. While the company did not disclose a consensus EPS estimate, analysts covering small‑cap community banks have been penciling in FY 2025 EPS in the $0.80–$1.00 range for IF Bancorp. The $1.37 result therefore represents a ~35‑45% upside versus consensus and comfortably tops the average of its peer group, whose median FY 2025 EPS presently sits around $0.95.

Market dynamics & technical backdrop

The earnings surprise coincides with a broader rally in regional‑bank stocks after the US‑Fed’s “higher‑for‑longer” rate outlook was absorbed. Liquidity‑constrained balances sheetes in small‑bank loan books have begun to improve, reinforcing asset‑quality metrics. On the chart, IF Bancorp’s shares have broken above the $12.50–$13.00 congestion zone formed in the Q3 2024‑Q1 2025 period, and are now testing the $14.00‑$15.00 resistance that aligns with the 20‑day EMA and a prior June‑July high. Volume on the breakout day was 1.8× the 30‑day average, confirming buying interest.

Actionable view

The sizable EPS beat positions IF Bancorp as a relative outperformer in the community‑bank niche. If the price can hold above the $13.50‑$13.80 pivot, a short‑term upside to $14.50–$15.00 is plausible on momentum and any upgrade chatter. Conversely, a breach below $12.30 would open a downside corridor toward $11.50, where the 50‑day moving average looms. Given the fundamentals, a moderate‑risk, long‑position with a $13.80 stop‑loss and a $15.00 profit target aligns with the current technical set‑up and the upside earned from the earnings surprise.